Side-by-side · Q2 2026 data
Luso Federal Credit Union vs Southbridge Credit Union
Metric by metric
| Measure | Luso Federal Credit Union | Southbridge Credit Union |
|---|---|---|
| TellerScore | 61 | 68 (stronger) |
| Capital cushion | 61 (stronger) | 56 |
| Loan quality | 63 | 92 (stronger) |
| Earnings | 38 (stronger) | 37 |
| Funding & liquidity | 71 | 75 (stronger) |
| Problem-loan coverage | 84 | 97 (stronger) |
| Peer percentile | 24th | 45th |
| Total assets | $244.6M | $242.4M |
| Deposits / shares | $216.3M | $212.5M |
| Capital ratio | 11.07% (stronger) | 10.62% |
| Problem loans | 1.10% | 0.23% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.16% |
| Return on assets | 0.45% (stronger) | 0.42% |
| Loans ÷ deposits | 88.8% | 85.2% (stronger) |
| Uninsured deposits | 13.7% | 6.8% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.7% | 27.8% |
Southbridge Credit Union has the higher TellerScore (68 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Luso Federal Credit Union leads on 3 and Southbridge Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.